Financial advice beyond 2022

Over the last decade the landscape for financial advisers and the customers they serve has changed dramatically largely due to regulation aimed at ensuring consumers getter a better, fairer and more transparent deal.
The focus has been on facilitating access to financial advice through simple or limited advice categorisation
Introducing a best interest statuary duty requiring financial advisers to act in the best interests of their clients
Introducing a requirement to obtain a client agreement to ongoing advice fees and fees for related services
And banning conflicted remuneration including commissions, volume payments and soft benefits and making clear distinctions between tied and independent advisers 
But what doest he future hold now as globally Mifid II is upon us, retail investors are having a go on platforms that are lowering barriers to invest on the stock market like easy equities and as the rise of low cost indexing has upended the game?


Michael Avery is joined by Debra Slabber, Portfolio Specialist Director at Morningstar Investment Management; Craig Gradidge, Investment and Retirement Planning Specialist at Gradidge Mahura Investments; Maya Fisher-French, Personal Finance Writer, TV Presenter and Author as well as Gareth Stobie, MD at CoreShares